| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $119K | $119K | 0.17% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $239K | $239K | 1.01% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53717 | DEAN HEALTH PLAN INC | $33K | — | $33K | 1.03% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $5K | $25K | 12.48% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $24K | $4K | $28K | 17.11% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.73% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.96% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 16,875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25,561 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 455 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42,891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 451 | $3.5M |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 35,546 | $101.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 268 | $204K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $36K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 35,546 | $23.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,546 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.